BlastPoint's Credit Union Scorecard

INOVA

Charter #4968 · IN

Community 500M-750M

167 CUs in 500M-750M nationally 4 in IN

View Community leaderboard →

INOVA has 4 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

IN Analysis

How does IN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 40.5% in tier
+ Organic Growth Engine: Top 40.5% in tier
+ Loan-to-Share Ratio: Top 0.1% in tier
+ Total Loans: Top 2.4% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 0.3% in tier
- Efficiency Drag: Bottom 43.8% in tier
- Shrinking Wallet Share: Bottom 96.5% in tier
- Deposit Outflow: Bottom 98.7% in tier
- ROA 0.60% below tier average
- Efficiency ratio 1.80% above tier (higher cost structure)
- Delinquency rate 0.27% above tier average
- Deposit Growth Rate: Bottom 3.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Members	47,671 +1.0% YoY+0.3% QoQ	+9.6K	38,079 -4.8% YoY	22,524 +2.8% YoY	33,913 +5.7% YoY	Top 13.2% in tier
Assets	$658.1M -4.1% YoY+0.4% QoQ	+$38.4M	$619.7M -0.2% YoY	$399.0M +8.5% YoY	$578.3M +9.0% YoY	65%
Loans	$593.8M -3.6% YoY-0.7% QoQ	+$174.5M	$419.3M -1.4% YoY	$281.9M +8.4% YoY	$402.4M +8.7% YoY	Top 3.0% in tier
Deposits	$520.7M -7.5% YoY+0.4% QoQ	$-18.8M	$539.5M -0.1% YoY	$336.4M +8.1% YoY	$494.3M +9.1% YoY	40%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.1% -119.0% YoY-179.3% QoQ	-0.6%	0.7% +36.0% YoY	0.6% -3.4% YoY	0.4% -39.2% YoY	Bottom 9.0% in tier
NIM	3.4% +6.3% YoY-0.7% QoQ	-0.1%	3.5% +4.5% YoY	3.7% -1.2% YoY	3.8% +4.1% YoY	42%
Efficiency Ratio	80.2% -2.1% YoY-0.3% QoQ	+1.8%	78.4% -3.7% YoY	86.7% +4.4% YoY	84.6% +2.8% YoY	53%
Delinquency Rate	1.0% -6.9% YoY-1.8% QoQ	+0.3	0.7% -0.9% YoY	1.1% +11.5% YoY	1.2% +3.4% YoY	74%
Loan To Share	114.0% +4.3% YoY-1.1% QoQ	+36.4%	77.7% -1.2% YoY	67.3% +1.1% YoY	65.6% -1.4% YoY	Top 0.6% in tier
AMR	$23,380 -6.4% YoY-0.5% QoQ	$-4K	$26,927 +3.1% YoY	$18,911 +5.2% YoY	$19,920 +1.6% YoY	36%
CD Concentration	36.1% -3.1% YoY-3.3% QoQ	+11.8%	24.3%	18.9%	19.8%	Top 12.6% in tier
Indirect Auto %	0.0%	-13.8%	13.8%	10.4%	7.7%	Top 0.1% in tier

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#316 of 371 • Top 40.5% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.98%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

518 nationally

→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth

#337 of 352 • Top 40.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.98%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.08%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

499 nationally

→ No prior data (352 CUs now) | New qualifier

Concerns (4)

Deposit Outflow

decline

#3 of 72 • Bottom 98.7% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -7.53%

(Tier: 4.30%, National: 64.06%)

worse than tier avg

Member Growth (YoY): 0.98%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

72 of 284 Community CUs have this signature | 98 nationally

→ No prior data (72 CUs now) | New qualifier

Shrinking Wallet Share

decline

#48 of 238 • Bottom 96.5% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -6.38%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 284 Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | Rank improving

Liquidity Strain

risk

#58 of 183 • Bottom 0.3% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 114.04%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): -3.56%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

183 of 284 Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | Rank worsening

Efficiency Drag

risk

#520 of 596 • Bottom 43.8% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 80.18%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.52% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): 0.98%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 167 peers in tier

Top Strengths (4 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 114.04%

Peer Median: 79.97%

#1 of 167 Top 0.1% in 500M-750M tier

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 10.91%

#1 of 167 Top 0.1% in 500M-750M tier

Total Loans

balance_sheet

Value: $593.83M

Peer Median: $427.27M

#5 of 167 Top 2.4% in 500M-750M tier

Total Members

engagement

Value: 47,671

Peer Median: 36,874

#22 of 167 Top 12.6% in 500M-750M tier

Top Weaknesses (8 metrics)

163

Deposit Growth Rate

growth

Value: -7.53%

Peer Median: 4.02%

#163 of 167 Bottom 3.0% in 500M-750M tier

163

AMR Growth Rate

growth

Value: -6.38%

Peer Median: 4.03%

#163 of 167 Bottom 3.0% in 500M-750M tier

160

Asset Growth Rate

growth

Value: -4.15%

Peer Median: 4.66%

#160 of 167 Bottom 4.8% in 500M-750M tier

155

Net Worth Ratio

risk

Value: 8.11%

Peer Median: 10.35%

#155 of 167 Bottom 7.8% in 500M-750M tier

152

Return on Assets (ROA)

profitability

Value: 0.08%

Peer Median: 0.61%

#152 of 167 Bottom 9.6% in 500M-750M tier

151

Net Charge-Off Rate

risk

Value: 0.99%

Peer Median: 0.39%

#151 of 167 Bottom 10.2% in 500M-750M tier

149

Loan Growth Rate

growth

Value: -3.56%

Peer Median: 4.25%

#149 of 167 Bottom 11.4% in 500M-750M tier

147

Share Certificate Concentration (%)

balance_sheet

Value: 36.05%

Peer Median: 26.29%

#147 of 167 Bottom 12.6% in 500M-750M tier